Student Loan Refinance Calculator


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* The lowest interest rate requires a creditworthy eligible borrower, and automatically withdrawn (“auto debit”) payments with the borrower making immediate principal and interest payments. Not all borrowers will receive the lowest rate. back

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Frequently Asked Questions

No. Cosigners are only required if your application doesn’t meet certain minimum requirements like age, creditworthiness, employment, or income.

You can select one of the following loan repayment terms:
  • 5-year term
  • 10-year term
  • 15-year term
  • 20-year term (for loan amounts of $25,000 or more)
  • 25-year term (for loan amounts of $25,000 or more with variable interest)
Keep in mind that shorter repayment terms often mean lower interest rates and higher monthly payments, which will lower your overall cost of borrowing.

Yes. However, before you refinance federal student loans, make sure you understand the benefits you can lose.

You’ll need to have on hand:
  • Contact information
  • Home address
  • Social Security Number
  • Employment information (paystub/proof of income)
  • Loan information (loan servicer, interest rate, outstanding balance)

Your cosigner should be a trusted individual who has strong credit, a reliable annual income (at least $36,000), and is a U.S. citizen or has permanent residency status. Your cosigner can be released from the loan after 24 consecutive on-time payments have been made.2

    • Be a U.S. citizen or have permanent residency status and possess a valid U.S. Social Security number. U-fi Student Loans are currently available in all U.S. states except Vermont
    • Be the legal age of majority in your permanent state/territory of residency.
    • No longer be attending school on a half-time or more basis
    • Have a minimum of $5,000 in eligible student loans you wish to refinance
    • Have entered grace or repayment on the loans you wish to refinance
    • Have at least $36,000 in annual income
    • Have a 680+ credit score

You can refinance as little as $5,000, and as much as $300,000, depending on your highest level of education.

A cosigner is a creditworthy person willing to assume responsibility for loan liabilities if the borrower fails to repay the loan. Applying with a cosigner may help you qualify for a loan and also lower your interest rate. Cosigners must be eligible U.S. citizens or permanent residents.